Tyler, TX · Charter 15467
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets in TX (n=235). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
39
Asset Quality
35
Profitability
70
Liquidity
15
Efficiency
83
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Tyler, TX · Charter 15467
NCUA · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.09% | 0.49% | 0.93% | 0.97% | 0.93% | 1.36% | 1.59% | 1.33% | +36 bps | |
| Return on Equity | 0.75% | 4.06% | 7.81% | 7.72% | 7.23% | 10.42% | 12.63% | 10.50% | +278 bps | |
| Net Interest Margin | 2.76% | 2.87% | 3.31% | 3.57% | 3.69% | 3.65% | 3.68% | 3.72% | +14 bps | |
| Efficiency Ratio | 89.52% | 81.91% | 72.98% | 73.70% | 74.05% | 67.79% | 63.02% | 66.67% | -702 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.81% | 1.50% | 1.42% | -2.53% | 0.65% | 3.55% | 7.53% | 12.21% | +1,474 bps | |
| Loan Growth (YoY) | 4.40% | 1.84% | 2.03% | 2.89% | 7.45% | 11.37% | 12.90% | 14.44% | +1,155 bps | |
| Share Growth (YoY) | 4.36% | 1.66% | 1.14% | -3.25% | -0.45% | 2.40% | 6.81% | 9.89% | +1,314 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.55% | 0.59% | 0.31% | 0.26% | 0.37% | 0.71% | 0.32% | 0.82% | +56 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.78% | 12.11% | 11.95% | 12.52% | 12.82% | 13.05% | 12.56% | 12.64% | +11 bps | |
| Net Worth / Assets | 11.78% | 12.11% | 11.95% | 12.52% | 12.82% | 13.05% | 12.56% | 12.64% | +11 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 82.47% | 82.00% | 79.44% | 84.37% | 89.02% | 89.18% | 83.97% | 87.86% | +349 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Tyler, TX · Charter 15467 · Peer group: credit unions under $1B in assets in TX (n=235)
NCUA · 3 branches
Q2 2026
Return on Assets
1.33%
Rank 45 of 235
Net Interest Margin
3.72%
Rank 137 of 235
Efficiency Ratio
66.67%
Rank 41 of 235
Equity / Assets
12.63%
Rank 144 of 235
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.33% | 0.17% | 0.57% | 1.10% | Beats 81% | 45 / 235 | ||
| Return on Equity | 10.50% | 1.03% | 4.30% | 7.58% | Beats 87% | 31 / 235 | ||
| Net Interest Margin | 3.72% | 3.32% | 3.89% | 4.35% | Beats 42% | 137 / 235 | ||
| Efficiency Ratio | 66.67% | 70.60% | 82.00% | 91.57% | Beats 83% | 41 / 235 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.82% | 0.20% | 0.59% | 1.14% | Beats 35% | 154 / 235 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.63% | 11.30% | 14.41% | 19.49% | Beats 39% | 144 / 235 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.63% | 11.30% | 14.41% | 19.49% | Beats 39% | 144 / 235 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 87.86% | 54.18% | 67.38% | 81.66% | 84th pctl | 38 / 235 | ||
| Loans / Assets | 74.88% | 43.80% | 56.63% | 68.64% | 87th pctl | 31 / 235 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||